Work hard enough (and smart enough) early enough in your life and you can have an option of taking it easy later in life. If not, you won't even have that option later. Just make sure that you work hard in an area that can help you make money.

But, irrespective of what you say in the post, I think you are already on the right path, you visit HN and you ask for advice, thats definitely a great start.

About the part one not being able to run a business, nobody is born with that capability, they learn one way or the other. So if you learn, you can run one sooner or later.

If you learn enough and fast enough, you don't have to program for 5 hours for the rest of your life, you can manage others who have to program for 5 hours, for you.

Good luck.